In February, Citigroup CEO Vikram Pandit promised to "make this a profitable investment for the American people." Taxpayers' $45 billion investment in the bank has reaped a 7.5% return. "Anything that they make is positive," said Frederic Dickson, chief market strategist at D.A. Davidson. "After making a huge investment, that seems, on the surface, like a reasonable return for taxpayers."

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